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Bob Young

Talk of a doomsday scenario in buy-to-let is not supported by the facts. Given the (perhaps deliberate) misreporting around Bank of England governor Mark Carney’s pre-Brexit presentation to the Cabinet, with the suggestion he is anticipating a 30 per cent drop in house prices, it has been unsurprising to see an increasing number of commentators […]

The sector has inbuilt resilience and will succeed in a post-Brexit world. There is a lot of nervousness around what the future might look like for the UK economy and mortgage market, given the way Brexit negotiations are going. At the time of writing, we are told by prime minister Theresa May that a deal […]

Landlords and tenants must share responsibility for property standards. The suggestion of a “property MOT” for private rental homes has recently hit the headlines. On the face of it, a regular 12-month review to ensure the home meets required standards seems difficult to argue against. Of course, most landlords who use letting agents will get […]

Ignore what the results may say – it’s taking challenges in its stride The recent raft of house price indices appears to be the usual mixed bag, with different methodologies and data sets delivering different results. However, many of the comments suggest the UK market is on something of an inevitable downward spiral. The truth […]

In this day and age, and given the significant campaigns that have been fought recently, the word ‘misselling’ has a particularly powerful draw. I was therefore rather perturbed to hear that some are claiming the provision of limited company buy-to-let mortgage advice as a potential ‘misselling’ scandal, the evidence purportedly being that limited company products […]

Advisers are lacking details on how lenders will approach the PRA’s new rules – and we don’t need any more uncertainty As we get closer to the introduction of the PRA’s underwriting changes for portfolio landlord loans at the end of September, I can’t help but feel that the sector is not doing itself any […]